Calculate your workers’ comp EMR from actual vs. expected losses or payroll and claim count, then see the premium credit or surcharge and your target-mod loss budget.

Enter expected losses and actual losses for the 3-year experience period.

From your rating worksheet: payroll times the expected loss rate for each class code.

Paid plus reserved on every claim in the experience period.

Add it to see your modified premium and the credit or surcharge in dollars.

Related Calculators

EMR Rate Formula

The following two example problems outline the steps and information needed to calculate the EMR Rate.

EMR = PC / 100 / CR
  • Where EMR is the EMR Rate
  • PC is the payroll classification 
  • CR is the class rate 

To calculate an experience modification rate, divide the payroll classification by 100, then multiply by the class rate.

How to Calculate EMR Rate?

The following example problems outline how to calculate EMR Rate.

Example Problem #1:

  1. First, determine the payroll classification.
    • The payroll classification is given as: 500.
  2. Next, determine the class rate.
    • The class rate is provided as: .45.
  3. Finally, calculate the EMR Rate using the equation above: 

EMR = PC /100 / CR

The values provided above are inserted into the equation below and computed.

EMR = 500 /100 / .45 = 11.11

Example Problem #2: 

For this problem, the variables required are provided below:

payroll classification = 600

class rate = .75

Test your knowledge using the equation and check your answer with the calculator..

EMR = PC /100 / CR = ?